Claim Coverage

Explore detailed reviews about the claims process and coverage provided by pet insurance companies. See how quickly claims are approved, what’s actually covered, and how satisfied pet parents are with reimbursements.

62,907 total


Verified December 20, 2025

Knowledgeable and helpful customer service

As stressful as this can get when your pet gets sick the insurance company makes the whole process of submitting the claim and communicating very well and as promised on time. The customer service was very helpful and understanding, answered all of my questions and concerns. They explained step by step what I need to do and they responded fairly quickly. We are pleased so far with MetLife Pet insurance .

Insurer: MetLife

By: Joanna

Verified December 20, 2025

It’s been a week since submitting my…

It’s been a week since submitting my claim and I still Haven’t heard a thing much less been reimbursed.

Insurer: Pumpkin

By: Kristina

Verified December 20, 2025

Thankful we had Spot this year

Thankful we had Spot this year! Our doggo decided to go wild the last few months of the year and spot helped us get a good portion of her vet bill back once we met the deductible. The response and refund was quickly processed and directly deposited to my account!

Insurer: Spot

By: KAYLEY

Verified December 20, 2025

Supposed to get 70% back

Supposed to get 70% back! That didn't happen! I'm dropping my policy!!!

Insurer: Spot

By: Patti Molero

Verified December 20, 2025

Very easy to complete and easy to…

Very easy to complete and easy to understand coverage.

Insurer: MetLife

By: customer

Verified December 20, 2025

I’m not super in love with Embrace

I’m not super in love with Embrace. I feel as if they are slow in their claim review. My vet’s office is overwhelmed so I have to get my records from them to submit to Embrace but have had to, on more than one occasion, sent a reminder through the portal to take action on the review. I also think that their disclaimer review is sweeping and punative to older dogs adopted out of shelter.

Insurer: Embrace

By: Miranda Aleksiak

Verified December 20, 2025

Very easy to submit a claim

Very easy to submit a claim, but each year the monthly costs for the premium get higher and higher. Not sure I can continue next year.

Insurer: MetLife

By: ATWSTAR

Verified December 19, 2025

Easy to navigate and complete quickly

Easy to navigate and complete quickly

Insurer: MetLife

By: Carlo Achdjian

Verified December 19, 2025

Super easy to submit bills

Super easy to submit bills. Love it!

Insurer: MetLife

By: Amy Primus

Verified December 19, 2025

First off pumpkin sent me paper copies…

First off pumpkin sent me paper copies of my policies so I can reach for them at any time if I have a question. There are no surprises and everything is very clear. No guessing or wondering. Pumpkin even sent me a mailed ( to my home) EOB ( just like my insurance) which was wonderful. They paid and explained everything and even direct deposited my refund. Very easy to work with and no guessing!! Thank you pumpkin Angela Hill

Insurer: Pumpkin

By: Angela

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